Research On The Integration And Development Of Internet Finance And Commercial Banks

Contemporary is the era of the Internet,the Internet has also played an important role in promoting the development of all walks of life in the society.For the financial industry,Internet finance is a brand new financial model.It itself has the common characteristics of finance and the Internet,and innovates the traditional financial concepts and products.At the same time,the development of Internet finance has also intensified the competition in the financial field and brought great challenges to the operation of commercial banks.In the face of the change of the financial field pattern and the impact of Internet finance,how commercial banks should give full play to their advantages and make up for their shortcomings is a proposition worth thinking about.Based on the concept and related theories of Internet finance,Bank A is the research case,and the integration of Bank A and Internet finance.Based on the development of the integration of Internet finance and Internet finance,the present problems and the integration of Bank A and Internet finance.The conclusions of this paper are that:Through empirical analysis:under the perspective of commercial bank management,Internet financial commercial bank products,business channels,marketing and management talents will affect,according to the empirical analysis logic,this paper from the four business products,business channels,marketing and management talent of A bank in the analysis of the Internet financial fusion,the results found that in the process of integration of products,channels,marketing and talent are exposed problems.Through the environmental analysis results of the integrated development of Bank A and Internet finance and the reference of domestic and foreign banks,this paper finally puts forward the countermeasures for the integrated development of Bank A and Internet finance from the four perspectives of products,channels,marketing and talents.